Information for You

Health care reform is designed to meet the specific needs of various groups of people. Find the group that best represents you below to find information and resources on how the health law will benefit you.

Families with Children

The Affordable Care Act gives families more opportunities to choose the health insurance plan that best fits need their needs. Some of the new changes are:

  • No more lifetime limits on essential coverage
  • Plans are no allowed longer to deny or exclude cover for children based on pre-existing conditions
  • Children can stay on parents insurance until age 26
  • Pregnancy and newborn care will be covered in all Exchange plans

Read more about how the Affordable Care Act will help families by clicking the links below

How the Affordable Care Act Helps America's Families - Families USA

Families with Children and the Affordable Care Act - Healthcare.gov

Individuals

The Affordable Care Act aims to help individuals who have mostly been overlooked by the health insurance industry.

  • Starting in 2014, individuals will be able to purchase their health insurance through a online marketplace called an Exchange
  • Also in 2014, if you can't afford to pay for your health insurance, you may be eligible to receive a tax subsidy to help you buy coverage if you make up to $44,000. 
  • Starting in 2014, individuals  can no longer be denied health insurance coverage if they have a pre-existing condition.
  • Medicaid may also be expanded in 2014 to cover all individuals up to 133% of the Federal Poverty Level (about $15,000 for an individual). Read more about Medicaid expansion in Mississippi here.
  • Insurers can no longer drop you when you get sick.

For more information on how the ACA will help individuals, visit healthcare.gov

People with Disabilities

Thanks to the Affordable Care Act, people with disabilities and/or pre-existing conditions will have more health insurance options and protection than ever before.

  • Starting in 2014, people with disabilities and/or pre-existing conditions will no longer be denied health insurance coverage.
  • There are no more lifetime limits on essential coverage.
  • Insurers can no longer drop your coverage when you get sick.
  • Children can no longer be denied health insurance coverage based on pre-existing conditions

For more information on how the ACA will help people with disabilities, click on the links below.

Health Reform and People with Disabilities - Americans Association of People with Diabilities

Pregnant Women

The Affordable Care Act will help pregnant women in several different ways:

  • New health plans must cover certain preventative services, such as screenings for pregnant women, without cost sharing.
  • Starting in 2014, all health insurance plans offered through the Exchange and SHOP will be required to cover pregnancy and newborn care.
  • Health insurance plans can no longer deny coverage to children with pre-existing conditions, including newborn babies born with health problems.
  • In 2014, pregnant women will no longer be denied health insurance coverage based on pregnancy being considered a pre-exisiting condition.

Check out these resources on pregnancy and the Affordable Care Act

Video - Pregnant Women and the Affordable Care Act - Healthcare.gov on YouTube

Access to health coverage - March of Dimes

Seniors

The Affordable Care Act seeks to help seniors with their health care costs by:

For more information on how Seniors will be affected by the Affordable Care Act, visit the links below.

Your Guide to the Health Care Law - AARP

Small Business

For years, the insurance needs of  small business owners and employees have been overlooked by the insurance industry. The Affordable Care Act seeks to improve health insurance options for small business owners and employees.

  • The healthcare law will eventually provide a Small Business Health Options Program (SHOP) Exchange that will allow small business owners to choose health insurance plans to offer to their employees.
  • The healthcare law also provides tax credits to small businesses that offer health insurance to their employees. If you pay wages below $50,000, provide health insurance, and have up to 25 employees, you may qualify for tax credits up to 35% or 25% for non-profits. In 2014, tax credit go up to 50% and 35% for non-profits.
  • If you have less than 50 employees, you will not have to pay an assessment if your employees get insurance through the Exchange.

For more information about how small businesses will benefit from the Affordable Care Act, click on the links below.

How can health care reform help small employers? - Small Business Majority

 

Women

The Affordable Care Act also takes into consideration the unique needs of women.

  • Women can receive preventive care, such as mammograms and annual well-woman exams, without paying a co-payment.
  • Women will pay the same insurance premiums as men. In 2014, health insurance companies will not be able to charge women more for health insurance coverage simply because of their gender.
  • Women have more options when it comes to choosing their doctor. Women can go to any OB-GYN and Primary Care Physician within their network without prior approval from their insurance company.

For more information about how the Affordable Care Act benefits women, click on the links below:

Health Reform for Women- whitehouse.gov

Realizing Health Reform's Potential: Women and the Affordable Care Act of 2010 - Commonwealth Fund

Young Adults

The Affordable Care Act is also expanding health options for those aged 18-25.

  • Young adults can stay on their parents' health insurance coverage until they are 26 even if they're married, live at home, or not enrolled in college.
  • New health plans cover preventive services, such as annual wellness exams, without cost sharing.
  • In 2014, if you're employed with limited income (up to about $15,000 per year for single) you may be eligible for Medicaid coverage. (Learn more about Medicaid expansion in Mississippi here.)
  • In 2014, if your income is less than $43,000 (single) and your job doesn't offer affordable health insurance,  you may be eligible for tax subsidies to help you pay for insurance.

To learn more about how the Affordable Care Act is helping Young Adults, check out the links below:

Healthy. Young. America - Young Invincibles